AI Agents

Context

Built for banking within the AML / KYC stack, this agent is used during periodic KYC refresh to confirm that each customer’s profile, documents, and risk posture meet current policy before the review is closed. It runs on retail and commercial books, aligning refresh frequency and scope to the risk rating in force and any behavior-led changes since last review.

What it does

The agent assembles the working KYC file, checks that required identity fields and in-date proofs are present, verifies ownership/UBO declarations where applicable, and confirms that mandated statements and attestations are captured. It reconciles names, IDs, addresses, and control parties across application data and documents, validates that refresh cadence matches the risk rating, and highlights exactly what’s missing or out of date. Where recent activity or external changes warrant a deeper pass, it flags the need for enhanced review and produces targeted ask-backs that specify the document, wording, and validity window required.

Core AI functions

Document/type detection with OCR for IDs, address proofs, corporate records, and declarations; normalization of names, dates, IDs, and addresses; rule evaluation against your refresh policy (scope, thresholds, document age, UBO evidence, attestations); cross-document consistency checks that prevent stale or conflicting fields from passing; confidence scoring that routes only material gaps to humans; and reason-code generation with direct links to the page or field that triggered each finding.

Problem solved

Periodic reviews often stall on missing, expired, or mismatched evidence, and teams apply rules inconsistently across risk tiers and customer types. That drives back-and-forth with clients, late escalations, and uneven audit outcomes.

Business impact

KYC refresh closes faster and cleaner: exceptions drop because ask-backs are precise, policy adherence is consistent across portfolios, and audit posture strengthens thanks to field-to-document lineage. Higher-risk cases are surfaced early for enhanced review, while lower-risk files move through without unnecessary friction.

Integration and adjacent use cases

Integration complexity: Medium. The agent reads the customer profile and prior KYC pack from your onboarding/AML workbench and DMS, evaluates them against current refresh rules, and writes pass/flag outcomes, evidence links, and targeted requests back to the same workflow; no changes to cores are required.

It is commonly combined with:

• Transactional behavior risk analyzer and Behavioral risk scoring to incorporate recent activity into refresh scope, with

• Regulatory rule compliance & filing to ensure mandated steps and records are completed, and with

• SAR draft generator to accelerate required summaries when thresholds are met.